bank that does not care for the customer

I have made a payment into FNB check account from Capitec on the 2nd September 2021, And I then asked the recipient if they received the money and he made me aware that the account was closed last year, I went to the FNB to verify if the account was closed and they confirmed. The recipient (FNB Client) even went to the bank to check where can the money be. the respond was there is no way the money can be with fnb as the account is closed. Capitec shows the money is paid to that account. I locked the call and awaiting 7 - 14 days and they charging R160 to lock the call. I even explained to them I am in need of that money to pay the recipient as he wants his money. (Rent) as I am involving you Capitec referred the matter to inter-bank or something and I still do not know what happened to the money. Could you kindly assist.